## How do I see if I have chargeback?
To retrieve a list of payment reversals you can setup an API call or web-hook notification. Instructions on how to do this are available on our [developers API page](🔗)
## What is the status of my chargeback?
You can quickly pull the status of a chargeback directly from the [Get a Chargeback API](🔗).
| Status | Definition |
| Active | You’ve received a dispute and you need to submit evidence if you want to defend against it. |
| Closed | The time to respond to this dispute has run out. No evidence can be submitted at this point. |
| Pending | We have acknowledged your evidence and forwarded it to the card issuer. |
| Lost | The issuing bank has rejected your evidence and you have lost the dispute. There are no further financial implications. |
| Won | You have won the dispute and your account has been credited. |
| Resolved | The disputed payment had been refunded previously. Your account has not been debited. |
| Canceled | The issuing bank has canceled the dispute and your account has been credited. |
## Responding to a chargeback
When a chargeback is received you have a 15 DAY period in which you can opt to challenge a chargeback. If you choose not to challenge, the chargeback will be accepted/conceded on your behalf once the allotted time period has closed.
## Accepting a chargeback
To accept a dispute there is no action needed.
## Challenging a chargeback
In the majority of cases the chargeback process is tilted in favor of the cardholder, because of this it is advisable that merchants first reach out directly to customers and ask them to withdraw their chargeback, in particular in cases where you believe the chargeback was issued by mistake.
A withdrawal of a chargeback will lead to the payment amount being credited back to your account balance, note that the chargeback fee is not reclaimable.
**When you are ready to dispute the chargeback, you can review our [evidence guide](🔗) and then submit your dispute directly to Circle via [this form](🔗)**
Evidence submitted should be relevant to the [category](🔗) of the chargeback, see suggestions for the relevant evidence for each chargeback category [here](🔗). Evidence should be relevant, factually based and to the point as possible. DO NOT provide links to evidence i.e. to terms of service on your website, all evidence should be provided in an immediately accessible and readable format i.e screenshots of the relevant terms of service.
Where possible supporting evidence should be provided in english documents, if not possible the non-english evidence should have a brief summary of the document in english. Please ensure all documents provided are in PDF format.
## What happens next?
Once the evidence is submitted, the Circle Risk team will review the evidence provided and submit the evidence to our partners to initiate the challenge process. The issuing bank of the cardholder will make a decision on the outcome of the chargeback within 60 days.
Your account will be notified on the status of the dispute once received. You can also use your merchant dashboard to check the status of a dispute at any time.